Grinding money solo in GTA Online can feel overwhelming with endless options, but focusing on these top heists, contact missions, and contracts unlocks the fastest paths to millions without needing a crew. Whether you're starting fresh or scaling up businesses, this guide breaks down the best solo earners—from quick pier hits to island heists—complete with start steps, payouts, and pro tips for 2025 efficiency.
Best Heists to earn money
Cayo Perico Heist
The Cayo Perico Heist remains one of the most lucrative solo or team heists in GTA Online, focusing on infiltrating the private island of drug lord El Rubio. It offers a flexible approach with multiple stealth options and targets, making it a favorite for players looking to maximize profits efficiently.
How to Start and What to Do
To begin, you must purchase the Kosatka submarine from Warstock for approximately $2.2 million. After acquiring the sub, you initiate the heist by gathering intel through reconnaissance missions on Cayo Perico Island. Following intel collection, prep missions come next to gather necessary equipment and plan your entry.
The finale often involves a stealth approach, typically using the Longfin boat for a quiet landing and the drainage tunnel for entry. Choosing the primary target along with secondary loot such as cocaine or gold increases overall profits.
Payout and Time Consumed
Each attempt requires a small setup fee of about $25,000. Successful completion of the heist on hard or elite difficulty yields between $1.3 million and $2.1 million, depending on your loot choices, all within roughly 45 to 60 minutes. This makes it highly profitable for the time invested.
Salvage Yard Robberies
Salvage Yard Robberies provide a weekly rotating set of high-value vehicle heists through your Salvage Yard business, including scoping, prep missions, and finales centered on stealing rare cars and cracking safes. These stand out for solo players wanting substantial payouts with flexible stealth or aggressive approaches, all managed from one workshop terminal.
How to Start and What to Do
To get started, purchase a Salvage Yard from Maze Bank Foreclosures for $2–$4 million (La Puerta recommended for convenience), then check the office terminal for three weekly target vehicles. Scope each one first to unlock 1–2 prep missions like intel collection or disabling security, followed by the finale where you steal the car, extract extra loot from the safe, and deliver it for processing—everything fully soloable without cooldowns between targets.
(Image via Youtube/ TGG)
Payout and Time Consumed
Each robbery pays $300,000–$405,000 base (plus up to $50,000 elite challenge bonuses) and takes 15–30 minutes total, letting you clear all three weekly for $1 million+ potential. Tow truck jobs add $30,000–$50,000 every 48 minutes (5–10 minutes each), while the safe builds passive $20,000–$24,000 daily. By hitting all rotations, you can reliably earn $400,000–$600,000 per
Best Contact Missions to earn money
Cluckin' Bell Farm Raid
The Cluckin’ Bell Farm Raid is a smaller-scale solo contact mission that offers a quick and straightforward cash grab without the need for expensive properties. It’s ideal for players who want decent payouts with less investment and downtime.
How to Start and What to Do
You start by contacting Vincent at Vespucci Police Station, setting matchmaking to closed to ensure a solo run. The Finale involves completing four preparation missions beforehand. The missions focus on infiltrating the farm and securing the loot while avoiding or eliminating hostiles.
Payout and Time Consumed
There is no property cost to unlock this contact mission. On hard difficulty, a full run pays around $500,000 and takes about 30 to 45 minutes to complete. This makes it a reliable payday during cooldown periods for other heists or if you’re avoiding large upfront investments.
Peer Pressure Contact Mission
The Peer Pressure contact mission is a quick solo-friendly job from Gerald in GTA Online, perfect for new players grinding cash or RP without needing high-level gear or setups. Available at Rank 6, it involves disrupting a drug deal under the Del Perro pier between The Lost MC and Vagos gangs.
How to Start and What to Do
Access it via the Jobs menu under Rockstar Created > Missions > Gerald, setting matchmaking to closed for solo play. Head to the pier, eliminate all enemies (around 10-15 total), grab the meth package from the deal spot, and deliver it to Gerald's apartment while evading any chase. Use cover under the pier and an armored vehicle like the Kuruma for easy clears.
Payout and Time Consumed
No setup or property required. On hard mode, it pays about $11,000-$20,000 and takes 5-10 minutes solo, making it great for fast repeats during cooldowns on bigger jobs.
Best Contract missions to earn money
Auto Shop Contracts
Auto Shop Contracts provide a set of short, manageable mini-heists that revolve around your Auto Shop business. These are excellent for supplementing your income with quick, solo-friendly missions.
How to Start and What to Do
Buying an Auto Shop unlocks access to these contracts, with prices varying around $1 million based on location. Each contract involves two missions focusing on vehicle theft, sabotage, or retrieval tasks. These contracts are designed for quick completion, allowing you to slot them into your gameplay between larger heists.
Payout and Time Consumed
Contract payouts range from $170,000 to $300,000 upon completion. Each contract takes approximately 15 to 20 minutes, making them perfect for short play sessions or as filler content when waiting for larger heist cooldowns.
Agency Contracts
Agency Contracts provide a versatile set of repeatable jobs through your Agency business, including Security Contracts, Payphone Hits, and the high-paying Dr. Dre VIP Contract. These excel for solo players seeking steady income with quick tasks and occasional big payouts, all accessible from one office hub.
How to Start and What to Do
To get started, purchase an Agency from Dynasty 8 Executive for a little over $2 million, then access the F. Clinton & Partner network using your office computer. From there, you can take on Security Contracts—short missions such as vehicle recoveries or gang takedowns, with Specialist+ offering the best payouts.
After completing a few of these, you’ll begin receiving Payphone Hits, which involve answering ringing public phones and following specific kill conditions for bonus cash. You can also tackle the Dr. Dre VIP Contract, a multi-step, fully soloable storyline that mixes stealth, combat, and setup missions, all accessible from the VIP Contracts tab.
(Image via Youtube/ Captain)
Payout and Time Consumed
Security Contracts pay around $30,000–$70,000 each and usually take 5–10 minutes, while Payphone Hits bring in about $40,000–$45,000 when you hit the bonus conditions, also within the same timeframe. The Dr. Dre VIP Contract is the big moneymaker, offering over $1 million on the first completion and about $800,000 on replays, taking roughly 60–90 minutes overall.
By rotating these activities, you can reliably earn $300,000–$500,000 per hour, with your Agency safe providing an extra passive $10,000+ every in-game day.
Thanks for staying till the end! If this Ultimate Solo Money guide made things easier or gave you useful insights, we’d love to hear your thoughts. Drop your feedback or questions in the comments—we’re always active and ready to assist with anything that still feels unclear.
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